Lawyers are often witness to the very best — and worst — behaviors of clients and their children. This Southern attorney in general practice emailed me this story about how her clients — successful physicians — raised failed adults, which often results in the kids getting in serious legal and financial trouble as adults.
“Dennis, our firm has always been very much involved in the lives of our clients. We are encouraged to help their children with school projects and to be a good source of common sense when asked. We’ve seen a lot of great parents and, sadly, more helicopter parents who have ruined their kids’ chance at becoming self-sufficient adults by their enabling behavior, often seen in the ranks of financially successful families.
“One stands out. Two brothers had the king and queen of helicopter parents. One, as a child, had some mental illness his parents never addressed. We helped both get into law school. One washed out of two law schools, did an MBA but refuses to actively look for a job, living at home and is 30. The younger brother, 27, also living at home, I helped with his law school exam technique. He rejected my help preparing for the state bar exam and failed it four times. I did get him a job as a paralegal in a law firm. Instead of calling and thanking me, nothing!
Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
“We have informed the family to find a new lawyer. The feeling of being used is just too much. This would be a good topic for your column: How to raise a failed adult. Thanks, Sarah.”
Lawnmower and helicopter parents can’t say no
I ran this question by Susan Newman, PhD, social psychologist and author of The Book of No: 365 Ways to Say It and Mean It ― and Stop People-Pleasing Forever. It addresses saying NO to your children whatever their ages and why that’s important.
I asked Newman, “What creates a failed adult?” She listed:
1. Parents who can’t say no to their children.
Consequences: The child starts to feel entitled beginning when they are very young. They aren’t allowed to make decisions for themselves. They have helicopter or lawnmower parents who plow down every obstacle that’s in their child’s way. The child doesn’t have to work hard for anything. It’s all going to be there, and if they mess up, Mom or Dad is there to take care of it. This early coddling comes back to haunt parents when they have young adults who can’t stand on their own two feet and still expect someone to bail them out. They have no resilience to any kind of failure.
2. Parents who don’t treat their grown children like adults.
Consequences: These parents slip back into their Mommy- or Daddy-with-a-10-year-old-child role when their adult child is around. They have dinner waiting every night, pick up their dirty dishes, do their laundry and so on. Stop treating them like guests. You can do this by not covering all their expenses, or paying to put gas in their car.
If they have a job, even if it’s just part time, make them responsible for some token amount of rent. Have them mow the lawn or do the grocery shopping this week. Say, “You handle dinner.”
Don’t run interference in their job hunting or their dating life. Back off — these are young adults, not teenagers.
If someone does something nice for them, you should say, “You need to call them right now and say thanks for getting me that interview or that gift.”
3. Parents giving kids the things the parents never had as children is often the basis for these behaviors.
Now that the parents have money, they want to give their kids the things they felt deprived of. Psychologically, this is a way to fill a void in their own lives, such as when their own parents could not come to a soccer game or weren’t there for them in some way.
These parents feel they should make life easier for their children, but they’re doing just the opposite. They aren’t helping. Rather, they are preventing the child from facing adversity and developing fortitude and independence.
4. Parents who fail to realize that this problem does not cure itself and who have no exit plan when the adult children stay or return home.
Consequences: Yes, there are some cultures where the kids remain at home until they marry. But, assuming there are no disabilities or chronic mental illness, the adult children we are talking about are perfectly capable of living on their own but simply choose not to. It becomes a major problem when the parents are being taken advantage of — this could easily turn into elder financial abuse.
Parents need to set a time frame in which they expect their adult children to move out. Perhaps it’s an age or perhaps six months or a year after they get a job or graduate from college. But parents need to set a negotiated “out” date.
Concluding our interview, Newman cautioned, “Don’t give up your social life to always be there to help your adult child out. Eventually — hopefully — your child will leave, and you do not want to break off all your connections to your bigger world. Explain how their living on their own benefits everyone.”
Help out your friends with 'The Book of No'
The Book of No is a terrific read. If you know someone like the parents described here, maybe have it delivered anonymously. You might just help prevent your friends’ kids from getting into legal and financial hot water and your friends becoming victims of elder financial abuse committed by their children.
To read more on this topic, you can check out two articles I wrote many years ago: You and the Law: 21 and in jail. Momma, don’t bail him out! and You and the Law: Luck of the enabled.
Dennis Beaver practices law in Bakersfield, Calif., and welcomes comments and questions from readers, which may be faxed to (661) 323-7993, or e-mailed to Lagombeaver1@gmail.com. And be sure to visit dennisbeaver.com.
Related Content
- Four Easy Ways to Get Yourself Fired
- Looking for a Job? Here’s How Not to Get Hired
- What Happens When Bosses Refuse to Unlock Their Empathy
- Eight Don’ts to Keep in Mind as You and Your Loved Ones Age
- Thinking You Are a Mind Reader Could Cost You
-
Cord Cutting Could Help You Save Over $10,000 in 10 YearsHow cutting the cord can save you money and how those savings can grow over time.
-
The '8-Year Rule of Social Security' — A Retirement RuleThe '8-Year Rule of Social Security' holds that it's best to be like Ike — Eisenhower, that is. The five-star General knew a thing or two about good timing.
-
You Were Planning to Retire This Year: Should You Go Ahead?If the economic climate is making you doubt whether you should retire this year, these three questions will help you make up your mind.
-
Are You Owed Money Thanks to the SSFA? You Might Need to Do Something to Get ItThe Social Security Fairness Act removed restrictions on benefits for people with government pensions. If you're one of them, don't leave money on the table. Here's how you can be proactive in claiming what you're due.
-
From Wills to Wishes: An Expert Guide to Your Estate Planning PlaybookConsider supplementing your traditional legal documents with this essential road map to guide your loved ones through the emotional and logistical details that will follow your loss.
-
Your Home + Your IRA = Your Long-Term Care SolutionIf you're worried that long-term care costs will drain your retirement savings, consider a personalized retirement plan that could solve your problem.
-
I'm a Financial Planner: Retirees Should Never Do These Four Things in a RecessionRecessions are scary business, especially for retirees. They can scare even the most prepared folks into making bad moves — like these.
-
A Retirement Planner's Advice for Taking the Guesswork Out of Income PlanningOnce you've saved for retirement, you'll need your nest egg to support you for as many as 30 years. For that, you need a clear income strategy, not guesswork.
-
Why Smart Retirees Are Ditching Traditional Financial PlansFinancial plans based purely on growth, like the 60/40 portfolio, are built for a different era. Today’s retirees need plans based on real-life risks and goals and that feature these four elements.
-
To My Small Business: Well, I've Been Afraid of Changin', 'Cause I've Built My Life Around YouWhile thinking about succession planning might feel like anticipating a landslide (here's to you, Fleetwood Mac), there are strategies you can implement to manage the uncertainty and the transition.
